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OnePath Home Insurance

Compare OnePath Home Insurance and find out if it is the right cover for your home and contents needs

OnePath has been helping Australians look after their wealth and manage their insurance needs for more than 130 years. A subsidiary of the ANZ Group, OnePath offers a variety of insurance solutions to Australian homeowners, including Home Insurance, Building Cover, Contents Cover and several optional extras.

Home building and contents policies are co-issued by QBE Insurance, one of the world’s top 20 general insurance companies, and OnePath General Insurance Pty Limited. This gives customers the peace of mind of knowing that they are dealing with insurers backed by impressive global financial strength.

finder.com.au does not currently have access to this home insurance brand. You may wish to compare options available on the home insurance homepage.

OnePath Home Insurance cover options

OnePath Home Insurance

OnePath’s home insurance policy combines the cover provided under OnePath’s Home Building Cover and Home Contents Cover. It offers full building replacement cover when your home is destroyed by fire and needs to be rebuilt from scratch, as well as cover for rebuilding fees, demolition and removal of debris, and damage caused by storm, rainwater and wind. Customers aged over 50 years can also take advantage of extra benefits including savings on their premium.

This policy combines cover for your building and its contents. It offers full building replacement cover when your home is destroyed by fire, as well as cover for rebuilding fees, demolition and removal of debris.

Cover is includes:

Storm

Rainwater

Wind

Flood

Fire

Landslide

Subsidence

Accidental glass breakage

Impact damage

$20 million of personal liability.

OnePath Home Building Cover

OnePath’s Home Building policy covers all the reasonable costs incurred to rebuild your home. It covers your home against risks such as fire and explosion, flood, storm, earthquake, theft and burglary, and malicious damage.OnePath’s Home Building policy covers all the reasonable costs incurred to rebuild your home following a wide selection of events. It covers your home against risks such as:

Fire and explosion

Flood

Storm

Lightning

Accidental breakage

Impacts

Escape of liquid

Earthquake

Theft and burglary

Malicious damage

Removal of debris

Alternative accommodation costs are also included as part of your cover

$20 million of legal liability cover is also included.

OnePath Home Contents Cover

OnePath Home Contents Cover covers your possessions up to the insured limit set on your policy. Once again, loss and damage caused by fire and explosion, flood, storm, earthquake, theft and burglary, and malicious damage are all covered.

$20 million of liability cover

Fire and explosion

Flood

Storm

Lightning

Accidental breakage

Impacts

Earthquake

Theft and burglary

Malicious damage

Escape of liquid.

$3,000 for high value items.

You can also choose to add the following optional extras to your OnePath policy:

Accidental damage to buildings

Accidental damage or loss to contents

Cover for your personal effects and valuables when they’re away from home

How much does home insurance cost?

There are several factors that can influence the price of your OnePath Home Insurance premiums, including:

How much cover do you want? Choosing only one of Building or Contents Cover will obviously be cheaper than choosing a policy that covers both your home and your possessions. The sum insured amount you select will also influence the cost of premiums.

What is your claims history like? This will affect the insurer’s assessment of your risk profile.

How much excess are you willing to pay? In exchange for paying a higher excess when you make a claim, you can enjoy the benefits of cheaper insurance premiums.

How old are your building and contents? What are they constructed of? How valuable are your contents? Where is your home located? All of these factors can affect how much your OnePath Home Insurance will cost.

What does an excess do?

You’ll need to pay an excess to contribute to the cost of processing your claim, and OnePath requires customers to pay only one excess for each claim caused by an insured event. In some cases, customers will have both building and contents cover under the same policy but have a different excess applying to each form of cover. If you then make a claim under both your buildings cover and your contents cover, you’ll only have to pay the higher of the two excess amounts.

However, claims resulting from an earthquake or tsunami will require you to pay an additional excess of $250.

I need to make a claim, what do I do?

When you need to make a claim, you can call OnePath’s Claims Assistance Service 24 hours a day, seven days a week. It’s important to contact OnePath as soon as possible after any incident or event which may lead to a claim.

OnePath will also require you to provide any relevant information to help them process your claim. This could include:

Letters, notices or court documents about the event within 72 hours of receiving them.

A police event report number for any claims relating to theft, vandalism or malicious acts.

The contact details of any other people involved in the insured event.

Still have questions about OnePath?

Q. What does my policy mean when it says it offers full building replacement cover?

A. If your home is destroyed by an event covered under this policy, OnePath will cover the full replacement cost of your home. This also includes cover for legal fees, demolition, removal of debris and alternate temporary accommodation.

Q. How can I get a quote from OnePath?

A. You can obtain a home and contents insurance quote by visiting OnePath’ website or phoning 132 062 from 8am to 8pm Sydney time.

Q. How long until my cover takes effect?

A. OnePath will begin offering cover as soon as you have purchased your policy.

Q. Is there a cooling-off period?

A. Yes. You have 21 days from the time you purchase your policy to change your mind about taking out cover. As long as you haven’t made a claim, you’ll receive a full refund of your premium.

Think you're ready to start comparing home insurance policies?

If you’re looking for insurance cover for your home and contents, OnePath offers a range of competitive policy options designed to suit the needs of a wide variety of Australians. Just make sure to compare several policies on the market before you decide which one is right for you.

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